SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 02549


                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the

                         Securities Exchange Act of 1934


Date of Report (date of earliest event reported): July 24, 2003
                                                  -------------


                     SEACOAST FINANCIAL SERVICES CORPORATION
             (Exact name of registrant as specified in its charter)


         Massachusetts                000-25077                04-1659040
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(State or other jurisdiction         (Commission            (IRS Employer
      of incorporation)              File Number)         Identification No.)


One Compass Place, New Bedford, Massachusetts                    02740
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(Address of principal executive offices)                       (Zip Code)


Registrant's telephone number, including area code: (508) 984-6000
                                                   -----------------------------


                                 Not Applicable
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          (Former Name or Former Address, if Changed Since Last Report)




Item 7.   Financial Statements and Exhibits.
          ----------------------------------

         (c) Exhibits: The following exhibit is filed as part of this report:

         Exhibit No.                Description
         -----------                -----------

         99                         Press Release dated July 24, 2003.


Item 9. Regulation FD Disclosure.
        -------------------------

     In accordance with Release No. 33-8216, the following  information is being
furnished under Item 12 of Form 8-K:

     On July 24, 2003,  Seacoast Financial Services  Corporation (the "Company")
issued a press release  announcing  the Company's  results of operations for the
quarter  ended June 30,  2003.  The Company has attached  this press  release as
Exhibit 99 to this Current Report on Form 8-K.







                                    SIGNATURE

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                SEACOAST FINANCIAL SERVICES CORPORATION


Dated: July 24, 2003            By:    /s/ Kevin G. Champagne
                                   -----------------------------------------
                                       Kevin G. Champagne
                                       President and Chief Executive Officer